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Wow, what a tough subject to discuss...

For those of you that have never gone through the heartache and turmoil of a divorce, no explanation will suffice. For those of you that have "been there" no explanation is necessary.

Divorce affects everything in our life, whether we like it or not, especially if you have children. None of the decisions that you make during this time will be easy, but many decisions will be required of both you and your spouse.

I have been In the field of finance for over 20 years. I've worked for both Mortgage Lenders and Brokers, and have also been Real Estate Licensed. I have seen many fine people forced to work through these difficult issues.

One of the most difficult aspects of a divorce can be the splitting of your combined assets. This includes your home. Understanding your options and their potential consequences (good or bad), will help a great deal in arriving at the best solution for your circumstances.

First you need to decide who if anyone wants (or needs) to live in the house. Many times neither party wishes to stay in the home due unpleasant memories. Other times, the court may decide which party (if any) will stay in the house.

Here are the 4 fundamental choices as it relates to your home and mortgage. It is critical to fully understand the ramifications of each of these 4 choices, before making a decision